2012 Chevrolet Cruze Car Insurance Rates

Are you a victim of an underperforming, overpriced insurance coverage policy? Don’t sweat it because there are many consumers feeling the pinch from expensive insurance coverage. Due to the increasing number of options when it comes to insurance coverage, it is very difficult to choose the best insurer.

How to shop auto insurance online

Getting a cheaper price on 2012 Chevy Cruze insurance doesn’t have to be difficult. Consumers just need to spend a few minutes on the computer to compare rate quotes online with multiple companies. It’s super easy and can be done using a couple different methods.

The recommended way to get the best comparison quotes is a comparison rater form click here to open form in new window. This style of form keeps you from doing repetitive form submissions to each individual auto insurance company. A single form will return price quotes from auto insurance companies with the best prices.

A more difficult way to compare prices consists of going to each individual company website and repeat the quote process again and again. For example, let’s assume you want rates from Progressive, Geico and Travelers. In order to get each rate, you would have to go to each individual site and enter your policy data, which can get rather old. To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just ensure you are comparing nearly identical coverages and limits for each quote you get. If the quotes have different liability limits then you won’t be able to decipher which rate is best.

Take policy discounts and save

Companies offering auto insurance don’t always publicize every possible discount in a way that’s easy to find, so the list below contains some of the best known and the more hidden credits available to bring down your rates.

• Save with More Vehicles Insured – Insuring primary and secondary vehicles on the same insurance coverage policy qualifies for this discount.
• Theft Prevention Discount – Vehicles optioned with advanced anti-theft systems help deter theft and will save you 10% or more.
• Pay Upfront and Save – By paying your policy upfront rather than paying in monthly installments you can actually save on your bill.
• Membership in Organizations – Being in specific professional or occupational memberships or organizations can get you a small discount on your policy.
• Senior Citizen Discount – Drivers over the age of 55 can get lower premium rates on Cruze coverage.
• Save with a New Car – Buying a new car instead of a used car is cheaper compared to insuring an older model.
• Early Signing – A few larger companies offer discounts for renewing your policy prior to your current policy expiring. The savings is around 10%.
• Smart Student Discounts – Maintaining excellent grades may save as much as 25% on a insurance coverage quote. Many companies even apply the discount to college students up until you turn 25.

As is typical with insurance, some credits don’t apply to all coverage premiums. Most only cut specific coverage prices like comp or med pay. Even though it may seem like you could get a free insurance coverage policy, insurance companies wouldn’t stay in business. Any qualifying discounts will lower the amount you have to pay.

If you would like to view insurers with the best discounts, click here to view.

Which policy gives me the best coverage?

When choosing coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions may help highlight if you might need an agent’s assistance.

• Am I covered when driving on a suspended license?
• What is no-fault insurance?
• Does my policy cover me when driving someone else’s vehicle?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Should I drop comprehensive coverage on older vehicles?
• Does coverage extend to my business vehicle?
• Should I buy additional glass protection?
• Does insurance cover damages from a DUI accident?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Car insurance 101

Learning about specific coverages of auto insurance can help you determine the best coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are typical coverages offered by auto insurance companies.

UM/UIM Coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Chevy Cruze.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Liability

Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like emergency aid, attorney fees, legal defense fees and funeral expenses. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as fire damage, hitting a bird, hail damage and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills for prosthetic devices, funeral costs and nursing services. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Collision protection

Collision coverage covers damage to your Cruze resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like damaging your car on a curb, crashing into a building, hitting a parking meter, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.